so this is basically a way for the obama administration to cover the cost of those that come in to the health care exchanges, come in on the new insurance plans. this obviously will be passed on not just to businesses but to those that work for major corporations of the country that are paying for medical insurance. no if's and's or but's it will happen in 2014. >>neil: folks say they have been hiking premiums anyway so who says they will add this increase on, it will be baked into the increase. you say not necessarily so, it will be an add on, on top of that written? >>guest: it is written in the legislation in the health care legislation, as an additional fee. it is buried if thousands of pages of regulation that many companies, many lawyers across the country, are going through to find out what the health care law will mean whether you are a small business or a big business. at the end of the day it will have to be passed on to the individual. at this point it looks like 190 million americans. the obama administration says this is a temporary fix because there are so many question m